Best UK pet insurance for cats in 2026
Last updated
Cats are cheaper to insure than dogs but the cover decisions matter just as much. Chronic conditions like hyperthyroidism, kidney disease and dental disease drive the largest cat insurance claims, and lifetime cover is the only product that handles them properly year after year. Below are our four strongest cat-insurance picks.
Our top four picks for cats
Single Complete plan covers cats up to age 10 at sign-up. App-first claims, multi-pet discount for households with more than one cat.
No upper age limit, vet-fee limits to £12,500. The choice for owners of breeds with hereditary risk like Maine Coons or Persians.
Dental, behavioural and free 24/7 video vet bundled in — useful for first-time cat owners assessing whether something needs an in-person visit.
Allianz-underwritten lifetime cover, no upper age limit at sign-up. The default for any owner taking a first policy on an older cat.
Side-by-side comparison
| Brand | ManyPets | Agria | Napo | Petplan |
|---|---|---|---|---|
| PetCoverPro score | 4.6 / 5 | 4.5 / 5 | 4.4 / 5 | 4.4 / 5 |
| Cover style | Lifetime | Lifetime | Lifetime | Lifetime |
| Plan tiers | Complete | Lifetime | Lifetime | Essential, Classic, Ultimate |
| Vet-fee limit | Up to £15,000 per year | Up to £12,500 per year | Up to £15,000 per year | Up to £12,000 per year on Ultimate |
| Excess from | From £99 | From £99 | From £99 | From £99 |
| Dental cover | Yes | Yes | Yes | Yes |
| Behavioural cover | Yes | Yes | Yes | Yes |
| Mobile app | Yes | Yes | Yes | Yes |
| Direct vet payment | Yes | Yes | Yes | Yes |
| Multi-pet discount | Up to 15% per additional pet | Up to 10% multi-pet discount | 10% off each additional pet | 10% off each additional pet |
| Max new-policy age | 8 years for dogs, 10 years for cats | No upper age limit at sign-up | 8 years for dogs and cats | No upper age limit at sign-up |
| Underwriter | Great Lakes Insurance UK Limited | Agria Försäkring (UK branch) | Inter Partner Assistance SA / AXA | Allianz Insurance plc |
| Get a quote | Visit ManyPets → | Visit Agria → | Visit Napo → | Visit Petplan → |
Limits and prices change. Confirm current figures on each brand\u2019s site before buying. We last refreshed this table at the date stamped on the page.
What to look for in cat cover
Three filters do most of the work. First, the vet-fee limit \u2014 chronic kidney or thyroid management runs into thousands a year over a long life, and an entry-tier limit can run thin. Second, dental cover \u2014 dental disease is one of the most common chronic conditions in cats and tier restrictions matter. Third, the maximum new-policy age, especially for adopted adult cats whose previous medical history may be unclear: Agria and Petplan are the two that will write a new policy at any age.